As you contemplate ways to increase your mortgage income 50% to 100% in 2016, do you have the confidence, support and extraordinary “value proposition” with your current employer or lenders you're investigating to help you achieve that goal? Here at Choice Lending we are committed to our Mortgage Loan Originator’s (MLO’s), Sales Managers and Branch Managers success. See below…
WANT TO APPLY RIGHT AWAY? Go to our form
BEST IN THE INDUSTRY COMPENSATION:
100% REAL Payout…Reg. Z Compliant…up to 3 points compensation!
You get a true 100% payout on all Yield Spread Premium (YSP) on in-house, lender paid comp programs. There are no splits, no hidden fees, quotas, or any other nonsense.
We give our loan officers flexible compensation plans (up to 3 points) that can be adjusted on a quarterly basis. As a mortgage banker yield spread premium is not disclosed.
We even allow our Loan Officers to have different comp plans for purchase loans and refinance loans. This gives our LO's the ability to be ULTRA competitive!
That’s right…we pay our loan officers their commissions weekly. As long as we receive the final HUD 1 by Thursday, 5:00 PM…you will be paid Friday of the following week!
WE’RE TRULY DIFFERENT:
Loan Officer Focused!
Choice Lending Corp was founded by Ben Lee and Aaron Christoffersen, and has been a California direct lender serving all of Southern California since 2005. Our humble beginnings started as a small mortgage broker in the High Desert of Southern California which soon grew in size and reputation propelling us into a California Direct Lender status.
Both Ben and Aaron were Top Producing Mortgage Professionals before starting the business. They believed that by focusing more on the loan officers, the clients would then be better served. It makes sense…the company focuses on providing our loan officers with everything they need to WOW their clients and referral partners. ALL of our loan officers are seen as SUPER HERO’S!
Since 2012 Choice Lending Corp has opened new branches in Rancho Cucamonga, San Diego, Temecula, Downey and Palmdale. In 2014 our Victorville branch was honored as “Best in the Desert” for the 4th time.
100’s OF LOAN PROGRAMS:
ALL the basics…PLUS…Niche & Non-QM
|FHA, Fannie, Freddie, Conforming & Non-Conforming, VA, USDA, Jumbo, etc.||One Day After Foreclosure Fixed & ARM Purchase Loan|
|80/10/10 Combo Loan||FICO Scores as Low as 500|
|Foreign National Program||5% Down Purchase / NO MI (not lender paid…NO MI)|
|Reverse Mortgages – Direct Lender||Bank Statement Qualifying|
|No Tax Return Qualifying||Government & Conventional Renovation Loans|
|Down Payment Assistance Programs: Platinum & CHADAP||90% Jumbo with No MI|
|Construction to PERM Loan (available in 90 days)|
At the Heart of it All
At Choice Lending we believe that the success of a Lender can be measured by their operations. Sure, it’s very important to have great rates, a fantastic pay out plan, a rich benefits program, and extraordinary product depth (We have all of this and more). However, what do all of those great features matter if a shoddy operations division makes it so that your files get hung up in underwriting limbo, closing dates are missed, clients become frustrated, locks are blown, Realtor relationships soured, and your pay ends up being delayed? We don’t think they add up to a whole lot if you don’t have a solid operations division in place.
The Need for Speed
We don’t allow files to get hung up and delayed in our operations. We know how important it is that we deliver what we promise, and more importantly what you’ve promised your Client.
We hit our deadlines.
In addition to fast turn times, our Underwriters are here to find solutions. We believe in finding the best in a file and building on that foundation. We want to find a way to make files work. We’ve been known to structure a file several different ways with several different lenders to find a solution that accomplishes the goals of a Client(s).
YOU CAN TALK TO THE UNDERWRITER!
Yes, you read right. At Choice Lending you can always talk to the Underwriters. We know that Client(s) aren’t a one size fits all proposition and that you may need to discuss some special considerations that need to be taken when examining the file. We invite you to share this information with us because as we stated before, WE WANT TO MAKE LOANS WORK.
In-House Opening, Processing, Underwriting, Closing & Funding!
We don’t outsource! Everything is done at our corporate office in Victorville, Ca. This allows us to continue to dazzle our clients with crazy fast turn times.
We’ll take care of it for you! At Choice Lending we’ll prepare and send out all disclosures for you. We make sure all disclosures are done, sent, and received according to the letter of the regulations. With Choice Lending you can rest easy knowing that we’ve kept you 100% compliant.
Nickel-and-Dimed to Death
The simple fact is that there is a number of due diligence steps that must be performed in today’s market. Generally these steps are accomplished via reports which are pulled through various third party vendors, or government agencies (4506T, Work Number VOE, VOR, QRE). Each of these reports costs money and with many lenders these fees are pushed back on the Branch or Individual. At Choice Lending we believe these reports, and their costs, are the responsibility of the Lender. We don’t nickel-and –dime our branches with the costs of doing business as a lender. These fees are on us.
The Simple Truth
As we said before, we believe that the success of a lender can be measured by their Operations Division, and at Choice Lending our success is our Operations Division. Other lenders simply don’t measure up.
The Genuine Article
We’ve always believed that a Support Department shouldn’t just be a cover name for a complaint department. It’s not that we don’t want to hear complaints if they exist, we do, it’s that we would like to have a system in place to address them before they become complaints. We believe a proactive multifaceted Support Division can prevent little concerns from growing into colossal complications.
The Deal Desk
It used to be that every Lender had account executives (AEs). These AEs weren’t all created equally, and on occasion you would come across that Super AE that could not only tell you about the products and programs they had available, but they could look at your file and figure out how to twist, turn, and mold it to fit within guides. They were worth their weight in gold and helped you capture those extra deals that made all the difference.
Well, we’ve got the Super AE next evolution.
At Choice Lending we not only have AEs, we have a tool that will sort through all the information you input and give you a list of programs (and rates) the client is eligible for!
We have the people in place and the tools to make you a success and help you capture those deals you might otherwise let fall to the wayside.
We know that sometimes it can seem confusing to figure out the rate. Although we believe we have one of the easiest automated pricing engines around, we’ve staffed a full time Live Lock Desk to make sure you’re covered. This Lock Desk is here to ensure that you’ve received the rate you’re looking for, and answered any questions you may have. We know how important the rate can be and sometimes it’s just easier to talk with someone. We’ll be here to answer those questions so you can sleep well at night.
If you ever had to go through the process of getting licensed in a state then chances are you know it can be a lot like finding your way out of a maze. It’s to avoid this rat trap that we have a legal / compliance expert to help guide you every step of the way. We don’t want you to eat up your time trying to navigate the labyrinth of NMLS licensing. Spend your time producing and let us help with all the minutia of licensing.
The Simple Truth
We realize our success will be determined by your success. It’s for this reason that we’ve built up a rock solid support system to ensure that you are an astonishing success. We won’t accept any less, and we’re willing to roll up our sleeves to ensure it happens.
Health insurance isn’t a one size fits all proposition, and we realize that each and every one of us may have our own special set of needs that need to be considered. It’s for this reason that we don’t try to squeeze everyone into a single program.
We have a comprehensive portfolio of plans that give you the options to customize your health care coverage. This includes vision, dental, and even alternative forms of medicine such as chiropractic.
Marketing has always been an area, in every industry, in which the ability to evolve is essential. As your Client’s change, economies shift, and awareness increases so must your marketing strategy. This isn’t anything new and fortunes are spent trying to find the best way to reach out to Clients.
At Choice Lending, we provide you with a state of the art marketing platform designed to make effective marketing Simple. We realize that the bulk of your time needs to be spent cultivating and managing your Client relationships. Take a look at how we can take your business to the next level:
- IZIGG Sign Rider Program: Join our team at Choice Lending, and you can offer your Realtor partners a very unique tool to help them grow their business (and yours)! This program is called IZIGG Realtor Select! A special "sign rider” is provided that hangs below a standard “For Sale” sign. This rider states…”For details on this property, Text “12345” to 90210”. When a potential buyer text's to the number...Immediately, they receive a text with detailed information about the property and contact information for the Listing Agent and the loan officer. A text is also (immediately) sent to the loan officer and the Listing Agent with the potential buyers phone number for on-the-spot follow up. Capture EVERY lead, EVERY time!
- Marketing Library: A constantly growing marketing library, with a multitude of categories, provides you with a simple solution to creating the perfect marketing piece in seconds.
- Co-Branded Marketing: If you want to Co-Brand your marketing with a Realtor or referral partner, we provide all the tools to make it simple and effective. (see enclosed). We've solved the marketing puzzle with our cutting edge marketing platform.
- Lunch-N-Learns: Choice Lending will pay for one Lunch-N-Learn per month! We will provide the food, drinks and even the speaker…all to help YOU to be successful.
- Client Retention Program: For every closed transaction, will send your valued clients the following to help you stay Top of Mind! We will send: A Thank You Gift & Card, Monthly Newsletter, Quarterly Post Card and Birthday Card...all at no cost to the Loan Officer!
APPLY TO WORK WITH US
Choice Lending Corp maintains all employment descriptions on its website at all times and does not indicate the position is open. Further descriptions and qualifications are available upon consideration of the position.
If you are interested in applying for a position, please upload your resume below and indicate the position for which you are applying.